We have our first hail damaged ‘totaled’ roof. The previous homeowner was the local fire chief and we have been told multiple times over the past decade that we have a 50 year roof. The first time when we called out an insurance adjuster after our first Hail Storm in 2012. He gave us a disgusted look for wasting his time and left. Then by two different roofing companies that patched a couple of leaks. It is a very ‘different’ looking roof. Puffy looking, to compare it to the smooth, flatter roofs of our neighbors
So, now our insurance adjuster comes out, agrees that the roof is damaged by the last hailstorm and needs to be replaced and looks at me like I am crazy when I say ‘50 year roof’. He says 30-35 at best. Being stubborn I asked if he had his shingle gauge with him. He says ‘nope. Those are useless anyway.’ But he ‘eyeballed’ the roof and it was a 30 year. Then we chat for 20 minutes, become friends, and he tells me about applying for a supplemental if I want to. Basically have my contractor yank a shingle and send it off for testing to see if it is a 50 year. Is this normal? Is there no other way to figure out what sort of shingle it is?
I’ve had two highly rated Master Elite certified GAF roofers out since then - one agreed that it was a 30 year and the other (without my even whispering 50 year roof) became all excited because he is convinced it is a 50 year roof which will be a big chunk of change from the insurance. BUT, he eyeballed it as well! Is there any way to tell without the yank-a-shingle method?
If all of that made sense, my other question is, would you upgrade to standing seam metal roof if it is within budget? My concern is that we do live in a hail prone area and it may end up looking pretty dimpled without qualifying for replacement. I don’t care about how it looks as long as it does it’s job but I am guessing it would put a real dent in resale value.
Thanks in advance.